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$499,990 Just Listed

  • For Sale
  • Active
  • Single Family
  • 4 Beds
  • 3 Full Baths
  • 2,560 Sq. Ft.
  • 2 Car Garage
  • Updated 59 minutes ago
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This charming Cape Cod with a detached 2-car garage is nestled on a picturesque 0.38-acre wooded lot in sought-after Ellicott City! This unbeatable location offers close proximity to Columbia, allowing easy enjoyment of trails, shopping, dining, parks, and many of Columbia's sought-after amenities. This home features 4 bedrooms, 3 full bathrooms, and timeless character thoughtfully blended with modern updates throughout. Gleaming hardwood flooring welcomes you into the light-filled main level featuring a spacious living room, formal dining room, and an updated kitchen complete with granite countertops, tile backsplash, and gas cooking. Two main-level bedrooms and a full bathroom provide flexible living options, while the upper level offers additional generously sized bedrooms and an en-suite bathroom. Enjoy year-round relaxation in the enclosed porch with vaulted ceilings overlooking the peaceful backyard and mature trees. The finished walk-out lower level expands the living space with a large recreation room, full bathroom, and abundant storage space. Additional highlights include energy-efficient replacement windows, a Carrier HVAC system, and a large and spacious 2-car garage. Perfectly situated with convenient access to Rt 100, I-95, and Rt 29, this home offers the perfect combination of charm, space, land, and modern updates in a spectacular Howard County location!

Full Property Details for 5521 Waterloo Rd

General

  • Price: $499,990
  • Taxes: $7,008 (2025)
  • Status: Active
  • Type: Single Family
  • Source: BrightMLSMidAtlantic
  • MLS ID: MDHW2068194
  • Updated: Today (5/21/2026)
  • Added to Site: Today

Interior

  • Rooms/Areas: Living Room, Dining Room, Primary Bedroom, Bedroom 2, Bedroom 3, Bedroom 4, Kitchen
  • Interior Features: Dining Area, Wood Floors, Chair Railings, Wainscotting, Primary Bath(s)
  • Appliances: Washer, Dryer, Refrigerator, Dishwasher, Disposal, Microwave, Stove
  • Flooring: Hardwood, Carpet

Rooms

Bathrooms

  • Total Bathrooms: 3
  • Full Bathrooms: 3
  • Upper Floor Baths: 1
  • Upper - Full Baths: 1
  • Main Floor Baths: 1
  • Main - Full Baths: 1
  • Lower Floor Baths: 1
  • Lower - Full Baths: 1

Bedrooms

  • Total Bedrooms: 4
  • Bedrooms Upper: 2
  • Bedrooms Main & Up: 2

Parking

  • Garage: Yes
  • Garage Spaces: 2
  • Total Spaces: 2
  • Parking Features: Asphalt Driveway
  • Parking Type: Detached Garage
  • Garage Description: Garage Door Opener

Location

  • County: HOWARD
  • Driving Directions: MD-100 E., Take exit 2 toward MD-108/MD-104, Turn left onto Old Annapolis Rd (MD-108), Turn right onto Waterloo Rd (MD-108). Home is on the left side.

School Information

  • School District: Howard County Public Schools

Heating & Cooling

  • Central air: Yes
  • Cooling Type: Central A/C
  • Cooling Fuel: Electric
  • Heating Type: Forced Air
  • Heating Fuel: Natural Gas
  • Water Heater: Electric

Utilities

  • Sewer: Public Sewer
  • Water: Public

Structural Information

  • Architectural Style: Cape Cod
  • Structure Type: Detached
  • Construction: Frame
  • Basement: Yes
  • Basement Desc.: Full, Partially Finished
  • Foundation: Block
  • Roof: Composite
  • Windows: Screens
  • Stories Description: Lower 1, Main, Upper 1
  • Square Feet: 2,560
  • Sq. Ft. Source: Assessor
  • Living Area: 2,036 Sq. Ft.
  • Finished Above Grnd: 1,536 Sq. Ft.
  • Finished Below Grnd: 500 Sq. Ft.
  • Year Built: 1947
  • Year Built Source: Assessor
  • Property Condition: Good, Very Good

Unit Information

Unit 1

  • Bathrooms-Lower: 1

Lot Features

  • Lot Size (Acres): 0.38
  • Lot Size (Sq. Ft.): 16,675
  • Lot Size Source: Assessor
  • Zoning: R20
  • Lot Description: Backs to Trees, Trees/Wooded
  • Fencing (Description): Rear, Wood

Financial Considerations

  • Price Per Sq. Ft.: $325.51
  • Assessment Year: 2026
  • County Tax: $5,124
  • County Tax Freq: Annually
  • Tax w/Assessment: $483,500
  • Tax Amount: $7,008
  • Tax Year: 2025
  • Tax Total Finished Sq. Ft.: 2036

Disclosures and Reports

  • Ownership: Fee Simple
  • Inclusions: See Disclosures
  • Lot Number: 1

Listed by Cummings & Co. Realtors, Zugell Jamison

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Listing agent

— 5521 Waterloo Rd —

  • Zugell Jamison

    Cummings & Co. Realtors

Listing Office Email: realtor@cummingsrealtors.com

Get Pre-Approved Today

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Schools serving 5521 Waterloo Rd

School District:Howard County Public Schools
NameGradesDistance
Ilchester Elementary School
4981 Ilchester Road, Ellicott City, MD 21043
K-52 mi
Mayfield Woods Middle School
7950 Red Barn Way, Elkridge, MD 21075
6-81.8 mi
Long Reach High School
6101 Old Dobbin Lane, Columbia, MD 21045
9-120.9 mi
Disclaimer: School attendance boundaries provided by ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 5521 Waterloo Rd Get Price Alerts and Save Property

Date
Details
Price
Change
Source
5/21/2026
Listed
$499,990
49.25%
MLS
6/16/2016
Sold
$335,000
—
Public Record
Get Price Alerts and Save Property
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Tax History for 5521 Waterloo Rd

Year
Property Taxes
Change
Tax Assessment
Change
2022
$3,964
—
$443,300
10%
2022
$3,964
—
$403,100
11%
2022
$3,964
—
$362,900
3%
2022
$3,964
-16%
$352,000
3%
2019
$4,740
-8%
$341,100
3%
2021
$5,160
—
$330,200
—
2020
$5,138
6%
$328,700
—
2019
$4,837
1%
$327,200
—
2018
$4,800
4%
$325,700
4%
2017
$4,636
3%
$313,833
4%
2016
$4,488
6%
$301,967
4%
2015
$4,234
-2%
$290,100
—
2014
$4,328
—
$290,100
—
View All
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

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NMLS#: 1598647

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Listed by Cummings & Co. Realtors, Zugell Jamison

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5521 Waterloo Road, Ellicott City, MD 21043 (MLS# MDHW2068194) is a Single Family property with 4 bedrooms and 3 full bathrooms. 5521 Waterloo Road is currently listed for $499,990 and was received on May 21, 2026. Want to learn more about 5521 Waterloo Road? Do you have questions about finding other Single Family real estate for sale in Ellicott City? You can browse all Ellicott City real estate or contact a Coldwell Banker agent to request more information.

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